FinCalc
Free, fast, privacy-friendly financial calculators. Open the page, type your numbers, get an answer — no accounts, no email, no tracking beyond anonymous page-view counts.
Calculators
Compound Interest
Future value with optional periodic contributions. Includes a growth chart and period-by-period schedule.
Present Value
Discount a future amount to today's value. Useful for evaluating lump sums you will receive later.
Bond Present Value
Price a coupon bond from face value, coupon rate, and yield. Shows discount, par, or premium status.
Loan / Mortgage
Monthly payment and full amortization schedule. Model extra payments to see payoff time and interest saved.
NPV / IRR
Discount-cash-flow analysis for any series of cash flows. Add or remove periods, see the IRR solve.
Savings Goal
Work backwards from a target amount to the exact monthly deposit, with compound interest.
Early Payoff
See how extra payments or a lump sum cut years off your loan and save interest.
Fixed-Principal Loan
Straight-line amortization: equal principal every month, declining payments, less total interest than a fixed-payment loan.
Affordability
Work backwards from a monthly payment to the maximum loan and the home price it supports.
Auto Loan
Car payment with sales tax on price minus trade-in, negative-equity rollover, fees, and APR-driven amortization.
Inflation
Future cost of the same basket, buying power of today's money, cumulative inflation, and the real return after inflation.
Mortgage Payment
Monthly principal and interest, PMI above 80% LTV, total monthly payment, and the lifetime interest and PMI cost.
FinCalc is a collection of free, privacy-respecting financial calculators that run entirely in the browser — no accounts, no tracking, no data leaving the device. Eleven tools cover the time-value-of-money family: compound growth, present value, future value, loan and mortgage payments, early payoff savings, fixed-principal amortization, mortgage affordability, savings-goal reverse-solving, and multi-period NPV / IRR analysis. Each page shares the same private input flow — type numbers, copy a sharable link, never register. Every formula matches the textbook standard. For example, 1,000 at 5% for 10 years grows to 1,628.89 (verifiable on a TI-84 or in Excel). All math is computed in the user's browser via JavaScript; the served HTML and JS files are tiny, so pages open instantly even on a phone. No analytics IDs touch the calculator state. The site is built for speed, accessibility, and zero-server-state — visit, calculate, leave, with no trace.
Which calculator should I use?
Pick the one that matches the question you actually have. Each tool is free, runs entirely in your browser, and can be cross-checked on a TI-84 or in Excel — every calculator page documents the handheld keystrokes and the matching function formulas so you can verify the answer in seconds.
- Compound growth over time — start with the Compound Interest Calculator; for a pure FV formula with monthly contributions, see the future value calculator.
- Discounting a future amount back to today — use the Present Value Calculator; for the inverse direction, use the future value calculator.
- Loan or mortgage payment — start with the Loan / Mortgage Calculator; to model extra payments or a lump sum, see the Early Payoff Calculator.
- Investment evaluation across time — the NPV / IRR Calculator handles any cash-flow stream and reports both the discount-rate NPV and the break-even IRR.
- Doubling-time sanity check — use the Rule of 72 for a mental-math shortcut; the page also shows the exact
ln(2) / ln(1 + r)form and how to verify it in Excel with=NPER(rate, 0, -1, 2). - Saving toward a target — the Savings Goal Calculator works backwards from a target amount to the monthly deposit needed, with compound interest.
On a TI-83 / TI-84, press APPS, choose 1:Finance…, then 1:TVM Solver… for the time-value-of-money screens — the same five keys (N, I%, PV, PMT, FV) cover every calculator on this site. In Excel, the matching functions are =FV, =PV, =NPER, =PMT, and =RATE.
Why FinCalc
Frequently asked questions
Is FinCalc really free?
Yes. Every calculator on FinCalc is free to use, with no account required and no email capture. No ads, no personal tracking — the only measurement is anonymous, aggregate page-view counts, and no data ever leaves your browser.
Do you store my inputs?
No. All calculations run in your browser. Your inputs never leave your device. The only state we remember locally is your theme and currency preference (in your browser's localStorage).
Can I share a calculation with someone else?
Yes. Every calculator has a Copy share link button that encodes your current inputs into the URL fragment (the part after #). The recipient sees the same numbers you did.
Which formula does the Compound Interest calculator use?
For a starting principal PV, periodic rate r, number of periods n, and end-of-period contribution PMT:
FV = PV × (1 + r)n + PMT × ((1 + r)n − 1) / r (when r > 0).
Is FinCalc financial advice?
No. FinCalc is an educational tool. We apply standard textbook formulas, but we make no warranty as to accuracy or fitness for your specific situation. Always consult a qualified professional before making financial decisions. See our disclaimer.